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Homeowner's Insurance Generally Does Not Cover Earthquakes or Floods.
Homeowner's insurance generally does not cover earthquakes or floods.
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If you purchase a homeowner's policy with guaranteed replacement cost or an extended replacement cost,your personal property will be replaced even if it costs more than policy limits.
An insurance rider should be considered for jewelry,antiques,coins,or other collectibles that are kept in your home,even if your home is insured.
A homeowner's or renter's insurance policy usually contains liability insurance for accidents that occur there,to safeguard you if someone else should be hurt on your property.
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